Best Full Coverage Car Insurance Rates

Full coverage car insurance is actually several coverages all rolled into your policy. Liability, collision, and comprehensive coverages usually make up full coverage auto insurance. While full coverage car insurance is more expensive, it reduces the amount you will have to pay if your car is damaged.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Full coverage car insurance is usually a combination of liability, collision, and comprehensive coverages, as well as any coverages required by your state
  • If you have a leased vehicle or a loan, your lender may require you to carry full coverage insurance
  • Although full coverage auto insurance is more expensive, it more fully protects your vehicle from damages caused by an accident, theft, vandalism, and acts of nature

While most states require you to carry liability auto insurance coverage, full coverage is highly recommended. Full coverage is not actually one coverage but a combination of various coverages that offers more security.

The best full coverage insurance for you will depend on your personal characteristics and your vehicle. However, you should shop around before you purchase full coverage auto insurance since each company will offer various rates.

Continue reading to learn more about how full coverage auto insurance works. Enter your ZIP code to compare free full coverage car insurance quotes from companies in your area today.

What is full coverage car insurance?

Full coverage insurance isn’t one coverage that you can add to your policy. It’s actually multiple coverages bundled together to form full coverage.

What does full coverage car insurance entail? Full coverage is a combination of liability, collision, and comprehensive coverages, as well as any other coverages required by your state. While it may seem confusing, each coverage actually compensates different damages.

What does full coverage insurance cover? Each coverage adds a layer of protection for your vehicle.

Liability covers property damage and bodily injuries of others if you cause an accident. This coverage does not include any damage to your vehicle or passengers. Generally, liability coverage is required in most states.

Does full coverage cover at-fault accidents? Yes, collision coverage pays for damages to your vehicle if you cause an accident.

On the other hand, comprehensive covers damages that aren’t relative to an accident. These damages include vandalism, theft, falling debris, and acts of nature like fires, floods, and hail.

Other coverages that might be included are uninsured/underinsured motorist, medical payments, and personal injury protection. You can also add coverages like roadside assistance and rental car coverage if you wish.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

How much is full coverage insurance?

Because full coverage offers the most coverage, it contains the highest car insurance rates. While full coverage auto insurance rates may be high, many types of damages are covered.

This table reveals average annual rates from top car insurance companies based on the type of coverage you select. Low coverage is liability-only, and high coverage is full coverage insurance.

Average Annual Car Insurance Rate Based on Type of Coverage
CompaniesAverage Annual Car Insurance Rate for Low CoverageAverage Annual Car Insurance Rate for Medium CoverageAverage Annual Car Insurance Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
Get Your Rates Quote Now

Compare RatesStart Now →

How do I find the cheapest full coverage car insurance rates? The best way to find inexpensive coverage is to shop around. There are many factors that affect your rates, and each company will determine them differently. Comparison shopping will help you find full coverage with the most affordable rates for you.

Is full coverage car insurance necessary?

Although most states don’t require you to carry full coverage auto insurance, there are times when it’s necessary.

If you lease a vehicle or have a car loan, you will likely be required to carry full coverage. Your lender wants to ensure that its investment is completely protected in every circumstance.

You will also want full coverage auto insurance if your car is newer or very expensive. If you can’t afford to repair or replace your vehicle out of pocket, then you need insurance to cover it for you.

The best way to figure out if full coverage is a good idea is to calculate your car insurance rates plus your deductible. If your vehicle is worth more than that total, full coverage makes sense.

What are the pros and cons of full coverage car insurance?

The benefit of full coverage insurance is that you are fully protected from everything from an accident to an act of nature. The only con of full coverage is that it is the most expensive form of insurance. However, peace of mind outweighs the higher rates.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

How can you save money on full coverage car insurance?

It’s very easy to find a full coverage car insurance company since all insurers offer multiple coverages. The challenge is to find the least expensive full coverage insurance available for you.

The best way to lower your rates is to take advantage of car insurance discounts. Insurance companies usually offer many different types of reductions.

Common car insurance savings include multi-car, multi-policy, good student, and good driver discounts. Bundle them to receive the maximum savings on your rates.

You can also raise your deductible to obtain lower car insurance rates. Although this means that you will have to pay more out of pocket for damages, your monthly rates will be much lower.

You can save money on your insurance by considering the coverages on your policy. Even if you choose full coverage, you still may not need roadside assistance or rental car coverage. Removing them from your policy can help you save a considerable amount.

Full Coverage Car Insurance: The Bottom Line

Full coverage car insurance is actually a combination of liability, collision, comprehensive, and any other coverages required by your state.

While full coverage is more expensive, it protects you and your vehicle from damages received from an accident, theft, vandalism, and acts of nature.

Now that you know the difference between liability and full coverage auto insurance, you can decide if full coverage is right for you.

You can find affordable full coverage car insurance by comparing multiple companies. Compare company rates and discounts to find your best deal.

Enter your ZIP code now to compare free full coverage car insurance quotes from companies in your area.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption